10 years ago I opened my CPFIS investment account to start my journey in stocks investing with CPF money.  After a decade, the conclusion I get from those experiences is you can only achieve good return (beating that 2.5% pa on OA) if you do it correctly, that is through long-term fundamental or value investing.  There has been talk on CPFIS is not “fit for purpose”, time for review, etc lately.  Frankly speaking, I do not agree to that 100% neither do I object that 100% too.

Like many others I started doing short-term investing/trading from 2006 to 2008 from stocks like Allgreen, HG Metal, K1 Venture, NOL, Saizen Reit, Mapletreelog Trust, Ascendas Reit, Swiber, Parkway Life and SIA Engg.  The result was mixed with some hits and misses.  Net outcome was a 4.19% capital loss (inclusive of dividend).  Then from 2009 till now, probably with …